Collection Executive
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At a glance
Requirements
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Job overview
Zolve is hiring a Collection Executive. Zolve is seeking a motivated and customer-focused Collection Executive to join their team in Bengaluru. This role specializes in recovering overdue payments for US-based credit card accounts. The ideal candidate will possess excellent communication and negotiation skills, along with a deep understanding of credit card collections and US regulations, to effectively resolve delinquent accounts.
Key focus areas include Manage assigned portfolios of delinquent US credit card accounts, Contact customers via phone, email, or other communication channels to recover overdue payments, and Negotiate payment arrangements or settlements that align with company policies.
Successful candidates bring Bachelor’s Degree In Finance, 3-6 Years Collections Experience, and Knowledge Of US Regulations. Important skills include Credit Card Collections, US Regulations, Fair Debt Collection Practices Act (FDCPA), Data Protection Standards, Collection Techniques, and Debt Recovery Plans.
Skills & qualifications
Skills
Qualifications
Full job description
ABOUT ZOLVE Welcome to the financial frontier of limitless possibilities - welcome to Zolve. We're not just a fintech; we're architects of a financial revolution, crafting a narrative that transcends borders. At Zolve, we believe in rewriting the rules of finance to empower global citizens, nomads, and dreamers to navigate the world without constraints.
Zolve is the world's first cross border neo-bank which helps migrants get access to credit in the new country based on their home country credit score. Zolve’s cross-border capabilities enable global citizens to access financial products such as checking accounts, credit cards, remittances, insurances, and loans seamlessly, helping them to be financially free to pursue their ambitions, without limiting the services to a particular country.
As we continue to grow into multiple geographies, product lines and customer segments, we are seeking a dynamic individual to join us and support our journey.
JOB DESCRIPTION Role: Collections Executive
Location: Bengaluru
Employment Type: Full-Time
We are looking for a motivated and customer-focused Collection Executive to join our team, specializing in the recovery of overdue payments for US-based credit card accounts. The ideal candidate will have excellent communication skills, strong negotiation abilities, and a deep understanding of credit card collections, ensuring compliance with US regulations and delivering effective resolutions for delinquent accounts.
RESPONSIBILITIES Collection Activities:
Manage assigned portfolios of delinquent US credit card accounts.
Contact customers via phone, email, or other communication channels to recover overdue payments.
Negotiate payment arrangements or settlements that align with company policies.
Account Management:
Update and maintain accurate records of collection efforts and outcomes.
Identify accounts requiring escalations or legal actions and forward them to the appropriate teams.
Regulatory Compliance:
Ensure all collection activities adhere to US regulations, including the Fair Debt Collection Practices Act (FDCPA).
Handle sensitive customer information in compliance with data protection standards.
Customer Service:
Address customer queries and concerns regarding their credit card accounts professionally.
Educate customers about repayment options and the consequences of non-payment.
Performance & Reporting:
Meet or exceed monthly collection targets and key performance indicators (KPIs).
Prepare regular reports on collection progress, payment trends, and account statuses.
QUALIFICATIONS Education:
Bachelor’s Degree in Finance, Business or related field
Experience:
3-6 years of relevant experience of working in the collections team for consumer credit products such as Credit Card, Personal Loan, Education Loan, 2W and 4W, Home Loan, etc
Experience in developing and enacting debt recovery plans and strategies to prevent losses
Technical Skills:
Excellent knowledge of various collection techniques.
Experience in developing and enacting debt recovery plans and strategies to prevent losses.
KnowledgeofMSOffice,DataInterpretation, databases, and alternate mode of collections.
Soft Skills:
Excellent communication and interpersonal skills
Demonstrated experience of being empathetic with customers
Problem-solving and critical-thinking skills
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